Florida home owner insurance has skyrocketed in recent years.
Mostly due to damaging winds and hurricanes, you might be having trouble paying your insurance bill.
There are ways you can help the situation, but you need to be careful.
Do not cut corners.

• Get with an insurance agent that will give you an honest rate quote based on your needs.
  If your agent sets a high deductible for hurricane damage, you should be aware of it before you purchase a policy.
  Anything your agent considers in your quote should be based on what you need and not on what gives you the best rate.
  
• Insure your home for replacement value.
  Market value or even new construction values may be different.
  In fact, it takes a lot more cash to rebuild a home than it does to build it in the first place.
  Market values fluctuate, but you want your home to always be covered well enough that you can rebuild it easily.
  
• Go to the time and expense of having your jewelry and fine arts works appraised.
  You will want to include these in your Florida home owner insurance.
  If you cannot provide proof of the true value of this property, your claim may be denied.
  

There are legitimate ways to cut rates.

• Buy a new home.
  Owners of new homes get rate discounts.
  This is primarily because your new home is likely to have improvements based on new building codes.
  These enhancements make your home stronger and more able to withstand wind damage.
  If you save 20% to 30 % on your insurance because of the discount, you can afford a higher house payment.
  
• Do not buy a home situated extremely close to the cost.
  The closer you are to the coast, the higher your insurance rates will be.
  If you are in the market for a home, it is something to take into consideration.
  
• Buy a home with a hipped roof.
  This type of roof will yield you lower rates than a gabled or flat roof.
  A hipped roof is better able to stand up to high winds.
  
• Whether you are buying or already own your home, have a wind mitigation inspection.
  The inspection will put you in line for rate discounts.
  Also, you will find out ways to make your home stronger against winds.
  
• Raise your deductibles where you can afford to do so.
  You can only raise your deductibles if you are prepared to cover the added cost of replacement if the time comes.
  However, if it is an option for you, it will lower your rates.
  

There are plenty of ways to lower your Florida home owner insurance.
Remember that different insurance companies simply have higher rates overall.
Compare their usual rates, and then find a reputable agent.